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Mastercard2/4 on file
✓ Annual fee checked
Royal Bank Of Scotland · Mastercard

Credit Builder Credit Card

Credit BuildingNo Annual Fee

The Credit Builder Credit Card is a Mastercard from Royal Bank Of Scotland with an annual fee of £0. Here is what we hold on it, and what we do not.

Not every figure here is checked

Checked against a published document: annual fee (Sep 2026), purchase APR (Sep 2026). Not yet checked with Royal Bank Of Scotland: credit requirement. Royal Bank Of Scotland’s own page is authoritative — confirm anything you rely on there before you apply.

Annual fee£0per yearChecked rbs.co.uk
Top earn rateNot confirmedNot published by the issuer where we checked ()
Welcome offerNot confirmedNot published by the issuer where we checked ()
Apply on Royal Bank Of ScotlandCompare this card
Opens Royal Bank Of Scotland’s site
Ledger entry

The receipt

Every cost line we hold for the Credit Builder Credit Card, exactly as recorded.

Annual fee
£0Checked rbs.co.uk
Supplementary card
Not confirmed
Foreign transaction
Not confirmedWe couldn't verify this · check with the issuer
Purchase APR
34.9%Checked rbs.co.uk
Income requirement
Not confirmed
Network
Mastercard
Credit needed
FairNot yet checked with Royal Bank Of Scotland
Sign-up

The welcome offer

No welcome offer on file

We hold no published welcome offer for the Credit Builder Credit Card. That may mean there isn’t one, or simply that we have not recorded it — Royal Bank Of Scotland’s own page is the place to check.

Not published by the issuer where we checked ()
Rewards

What it earns

No earn rates on file

We hold no category earn rates for the Credit Builder Credit Card. Rather than print a multiplier we cannot source, this stays blank until Royal Bank Of Scotland’s own terms give us one.

Not published by the issuer where we checked ()
Included

Perks & benefits

Card benefits

  • Pay 3% less interest after 12 months of responsible use
  • No annual fee
  • Credit limit between £250-£1,500
  • Apple Pay and Google Pay supported
  • Free credit score access via app
  • Manage card and get spending alerts via app
Next step

Ready to apply for the Credit Builder Credit Card?

You'll finish the application on Royal Bank Of Scotland's own site. Terms can change without notice, so check the fee and offer there before you commit.

Apply nowOpens Royal Bank Of Scotland’s site
Questions

Questions about the Credit Builder Credit Card

How much is the Credit Builder Credit Card annual fee?

The Credit Builder Credit Card has an annual fee of £0. Weigh that against the rewards and perks you will actually use.

What does the Credit Builder Credit Card earn?

Royal Bank Of Scotland does not publish category earn rates for the Credit Builder Credit Card where we checked (October 2026), so we do not print a multiplier.

What network is the Credit Builder Credit Card on?

The Credit Builder Credit Card runs on the Mastercard network, which determines where it is accepted and which network-level benefits apply.

Is the Credit Builder Credit Card available in United Kingdom?

Yes — the Credit Builder Credit Card is issued by Royal Bank Of Scotland and is available to eligible applicants in United Kingdom. Approval depends on the issuer's own credit and income criteria.

When were the Credit Builder Credit Card figures last checked?

We checked its annual fee in September 2026 and its purchase APR in September 2026, each against a published document. Not yet checked with Royal Bank Of Scotland: credit requirement. Not published by Royal Bank Of Scotland where we checked: earn rates and welcome offer. We could not verify, so we do not print: foreign transaction fee. Check them with Royal Bank Of Scotland. Terms can change without notice, so confirm the current details with Royal Bank Of Scotland before you apply.